Chubb Ina Holdings Inc. (formerly Ace Ina Holdings Inc.) 401(k) Review & Grade
Chubb US 401(k) Plan
Philadelphia, PAFinance & Insurance15,556 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10,210Employer $ per active participant
$10,635Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$5.0BNet plan assets, end of year
$226,651Average balance per account
Score breakdown
- Employer generosity45.8 / 5092th percentile for employer $ per participant
- Low cost20.3 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 10,000+ active participants (72 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 81th |
| Employee saving | 63th |
| Peers that auto-enroll | 74% |
Red flags from the filing
Corrective distributions: the plan refunded $34,502 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Chubb Ina Holdings Inc. (formerly Ace Ina Holdings Inc.) put in about $10,210 per active participant, more than the typical peer ($5,179). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $158,837,508 |
| Participant (employee) contributions | $165,438,779 |
| Other contributions (incl. rollovers in) | $39,372,475 |
| Administrative expenses paid from the plan | $1,562,760 |
| Contract administrator fees | $8,100 |
| Investment advisory & management fees | $1,071,697 |
| Other admin expenses | $115,641 |
| Benefits paid out | $392,898,833 |
| Net assets, start / end of year | $4.4B / $5.0B |
| Active participants, start / end of year | 15,396 / 15,717 |
| Participants with account balances | 21,846 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Financial Engines | $1,099,045 reported compensation |
| Fidelity Investments Institutional | $399,757 reported compensation |
| Forvis Mazars | $49,920 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013102609NAL0001106817004, received 2025-10-13, EIN 95-2371728, plan #105, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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